Paint damage as a result of a car crash usually prompts the question, does insurance cover the repair cost? The answer is dependent on the type of insurance of a policy holder, which is discussed in the first part of this two-part series.
But, while insurance may cover paintwork, making an insurance claim is not always a good decision. An article on Finder.com explains why.
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While car insurance pays for a paintwork job at a (paint and body work) repair shop as a result of a car crash, it usually does not include coverage for paintwork because of weathering, wear and tear and deterioration.
Paint damage because of a car being constantly exposed to rain, sun, sand, salt or water. However, a policy holder whose insurance policy has comprehensive coverage can make a claim for paint damage brought about by a single event or a weather-related incident.
There is no car insurance coverage for paintwork at a (collision repair) shop because of damage from deterioration or wear and tear. However, older cars are likely to have some paint deterioration. There are cases that insurance covers a portion of the cost of a new paint Otherwise, a policy holder needs to pay for the paint job as an out-of-pocket expense.
Before making a claim, a policy holder needs to take into consideration the amount needed to pay for the repair and the deductible, which is the out-of-pocket expense.
A policy holder who is able to pay for repairs without making a claim will probably save more money in the long run. The same rule applies to situations where the cost is lower than the deductible.
The cost of a car paint job depends on factors like the quality of the job, add-ons like protective coatings, the type of paint and the type of car.
Another consideration is the type of paint job needed for a car. A paint job on a car can be a do-it-yourself (DIY) project. Also, a car can be taken to a car (collision repair) shop for a basic touchup or a full paint job.